转自：新华财经 新华财经北京1月6日电（记者吴丛司）作为湖州市农业支柱产业集群的核心组成部分，安吉白茶产业已成为推动区域经济增长的重要引擎。安吉是中国 的"白茶之乡"，白茶种植面积约17万亩，年产量2420吨，全产业链产值近70亿元。这片被誉为"金叶子"的安吉白茶，不仅是当地的文化名片，更是乡村振兴 的支柱产业。 针对茶产业"季节性强、资产轻、抵押物少"的特点，邮储银行安吉县支行立足实际，创新推出"白茶产业链全周期金融服务方案"，构建覆盖种植、加工、流 通各环节的金融支持网络。 "种了十几年白茶，现在技术好了，想要扩大白茶种植规模，但是资金周转不开，心里就没底。邮储银行这笔'白茶贷'，真是帮了大忙。"白茶种植户王大伯 说。为紧扣安吉白茶这一地方核心产业发展脉搏，邮储银行安吉县支行打造安吉白茶主题特色支行，设置白茶服务团队。团队成员均接受过白茶产业知识、 农业金融政策的培训，既懂金融又熟茶情，能为茶农、茶商、茶企提供从信贷融资、资金结算到理财规划的"一站式"上门金融服务。在走访调研中了解到王 大伯的需求后，客户经理第一时间上门对接，彻底打通金融服务的"最后一公里"。针对茶农在种植管护、有机化改造前期投入大的实际 ...

Core Insights - The article highlights the challenges faced by individuals and small enterprises in obtaining loans, including insufficient collateral and lengthy application processes [1] - Recent policy optimizations aim to reduce financing difficulties and costs, with specific measures introduced to support small and micro enterprises [2] Industry Overview - The financing landscape is evolving with new regulations and support mechanisms, including a transition period for small loan companies until December 31, 2026 [2] - The average interest rate for small micro-enterprise loans has decreased by nearly 1 percentage point, with over 460 billion yuan in credit facilitated by new coordination mechanisms [2] Company Summaries - **Qianyun (Comprehensive Loan Platform)**: Rated 9.9/10, specializes in customized financing solutions with a high success rate in loan approvals, particularly for those previously rejected [4] - **Fangyindai (Real Estate Mortgage Focus)**: Rated 9.8/10, offers efficient mortgage services with a focus on property valuation and quick loan processing times [5][6] - **Zhongyihang Financial (Enterprise Financing Expert)**: Rated 9.6/10, adept at various loan products for small enterprises, providing flexible solutions tailored to their needs [7] - **Moerlong (National Chain)**: Rated 9.0/10, utilizes digital platforms for streamlined loan matching, catering to tech-savvy startups and individuals [8] - **Hengchang Financial (Personalized Services)**: Rated 8.8/10, leverages technology for quick credit assessments, serving businesses with stable cash flows [9][10] Loan Application Process - Step 1: Clarify loan needs, including amount, duration, and acceptable interest rates [12] - Step 2: Match qualifications to appropriate loan types based on available collateral and financial records [12] - Step 3: Select reputable institutions with high ratings, focusing on interest rates and service fees [12] - Step 4: Prepare necessary documentation to avoid delays in the approval process [12]

对接会期间，交行介绍了蚌埠经开区普惠金融服务方案。针对小微企业发展特点和全融资需求，聚力打 造了"股、债、贷、租、托"五大产品体系以及"链、圈、园"三大场景生态，有效串联创新链、产业链、 资金链和人才链，为科技型企业提供全链条全生命周期、多元化接力式的金融服务。（周金龙） 编辑：湛玮琦 钱智表示，本次对接会是政府搭台、银行助力、企业唱戏的生动实践，必能奏响产融共赢强音。下一 步，希望交行更好发挥专业优势，推动三"精准"落地：政策与需求精准匹配，推广信用贷、知产质押贷 等产品破解融资瓶颈；产业与金融精准耦合，针对传感谷芯片设计、临港智造等产业链定制"一链一 策"服务；服务与发展精准衔接，通过路演洽谈打通融资堵点。经开区将动态更新"白名单"企业库，联 合交行开辟绿色审批通道，做好"服务员"与"护航员"。 张耀表示，交行和经开区合作发起普惠科创服务专项行动，以"中国传感谷+临港产业园+大学科技 园"为重要着力点，搭建"一企一策"专属服务机制。交通银行将全力服务蚌埠打造"皖北区域金融服务中 心"，充分发挥"总行驻沪+金融全牌照"平台优势，针对经开区内科技型、制造业企业，提供"7+3+N"科 创融资产品和"主动授信"带 ...

面对种业生产投入大、周期长、风险高的特点，巨野农商银行大力推广信用贷，不需要抵押物，实现快 速审批放款。 在麒麟镇，一家种粮合作社通过"鲁担惠农贷"获得100万元贷款，顺利引进了新型烘干设备，解决了阴 雨天粮食霉变的难题。这种精准滴灌式金融服务，正是良种规模化生产急需的支持。 规模生产：金融护航良种繁育扩面 从实验室到试验田，再从试验田到万亩良田，是良种走向市场的关键一步。巨野农商银行针对良种规模 化生产环节，设计了一套针对性金融服务方案。 在柳林镇某种业合作社，巨野农商银行客户经理定期走访，了解良种繁育过程中的资金需求。该行不仅 提供生产贷款，还协助合作社对接市场，解决"种出来、卖出去"的全链条问题。 齐鲁晚报.齐鲁壹点程建华通讯员刘文川 巨野县，这个坐落在山东的农业大县，拥有84.2万亩小麦、35万亩大蒜和25万亩辣椒的种植规模，土地 之上，流淌着更加珍贵的资源，优良的种子。 目前全县小麦良种繁育覆盖率达到99%，这背后离不开巨野农商银行的金融支持。今年以来，该行始终 坚守服务"三农"的市场定位，紧扣地方经济发展脉搏，持续将金融资源向种业振兴领域倾斜。 在产业链上游，巨野农商银行支持种业企业与农户签订订单 ...

深圳，这座以创新闻名的年轻城市，再次向青年才俊张开双臂。2025年12月15日，深圳发布《关于加强 青年人才来深发展服务保障的若干措施》（下称《若干措施》），市人力资源保障局等部门出台人才认 定、住房保障和创业空间等一系列配套实施办法，旨在吸引和支持青年人才来深发展。 《若干措施》在人才认定标准方面主要围绕"教育背景""创新能力""创新贡献"三个维度展开，共设立了 16类具体路径。具体认定标准细则根据深圳市经济社会情况，实行动态调整。 这意味着，一名青年人才既可以通过拥有国内外知名高校的急需紧缺专业学历被认定，也可以凭借参与 国家、省、市重点科研项目的经历获得资格；既可以是在各类竞赛中脱颖而出的创新者，也可以是获得 知名创投机构青睐的创业者。 "英雄不问出处"的多元化评价，让在不同赛道奋力奔跑的青年都有被看见、被认可的机会，充分体 现"以创新能力、质量、实效和贡献为导向"的原则。 来深发展安居有保障 15天免费住，3年优惠长租 对于初来乍到的青年人才，住房往往是最大的现实关切。《若干措施》精准聚焦这一痛点，提供多层 次、可选择的住房保障方案，让青年人才"来得了"，更能"留得下""发展得好"。 对于尚未找到工作 ...

二、技术落地：全流程提效与风险精准狙击 数据即信用，AI让小微企业的每一笔交易都成为融资的"隐形名片"。AI的核心突破在于将碎片化数据转化为信用资产。传统风控中，中小企业因财务不规 范、抵押物不足被视为"信用白户"；如今，通过分析纳税记录、供应链流水、能耗数据甚至专利数量，AI可构建动态信用画像，让"数据"成为"抵押品"的替 代方案。例如，某银行通过"数据中台"整合多维度信息，为竹制品企业提供基于产业链位置的信用贷款，审批效率提升40%以上。 AI风控不是替代人力，而是让金融活水精准滴灌至最干渴的土壤。AI不仅解决"贷得到"，更实现"贷得快""贷得准"。网商银行的"310模式"（3分钟申请、1 秒放款、0人工干预）背后是AI模型对80%低风险客群的自动识别；"信易贷"平台则通过智能匹配，实现"1分钟响应、7天放款"，大幅压缩传统尽调数周的 周期。此外，AI通过时序建模和图计算技术，可预测企业资金流波动与供应链风险，将不良率控制在更低水平。 当前，全球经济波动与市场竞争加剧让中小企业普遍面临"融资难、融资贵"的生存考验。传统信贷模式依赖抵押物和财务报表，而轻资产、缺数据的小微企 业往往被挡在融资门槛之外。然而， ...

Core Insights - The article highlights the successful transformation of a businessman, Ma Youcheng, from real estate and used car industries to the agricultural sector, specifically in livestock feed production, supported by Postal Savings Bank's financial services [1][3]. Group 1: Company Overview - Ningxia Yanzhuo Agricultural Technology Co., Ltd. was founded by Ma Youcheng in 2017, focusing on livestock feed after leaving the volatile real estate and used car markets [1][3]. - The company faced significant challenges in 2022 due to declining prices of beef and lamb, leading to high costs and low profits for farmers, which resulted in inventory buildup and a strained cash flow [1][3]. Group 2: Financial Support - In the first half of 2024, Postal Savings Bank's branch in Guyuan City provided a quick 300,000 yuan (approximately 43,000 USD) unsecured loan with a repayment plan that allows interest payments every quarter and principal repayment after three years, aligning with the agricultural cycle [1][3]. - This financial support was described as a "timely rain" that helped stabilize the business, allowing it to expand its sales network to cover four counties and one district, serving over a hundred farmers [1][3]. Group 3: Agricultural Financing Initiatives - Postal Savings Bank has been optimizing its agricultural financial services by innovating products like credit loans and special loans, establishing a "paperless application, online approval, and quick disbursement" green channel to address the financing difficulties faced by agricultural entities [2][4]. - As of the current year, the bank has disbursed 68 million yuan (approximately 10 million USD) in agricultural loans, contributing to the revitalization of rural areas [2][4].

Core Viewpoint - Agricultural Bank of China Zhongshan Branch is committed to serving rural revitalization and supporting the agricultural economy, achieving significant growth in agricultural loans and project approvals [2][3][6] Group 1: Support for Rural Revitalization - Zhongshan Agricultural Bank has been recognized as "excellent" in the assessment of financial institutions supporting rural revitalization for four consecutive years, with agricultural loan balances exceeding 29 billion yuan as of September 2025, an increase of over 2 billion yuan since the beginning of the year [2] - The bank has approved nearly 20 provincial and municipal key projects this year, with a total approval amount exceeding 4.5 billion yuan, contributing to major infrastructure projects such as sewage treatment [3] Group 2: Financial Services for Farmers - The bank has introduced tailored financial products for new agricultural entities, including credit loans and flexible loan management models, to address the unique needs of farmers [4] - As of September 2025, the bank's loans to farmers exceeded 7 billion yuan, benefiting nearly 5,000 households [4] Group 3: Professional Team and Community Engagement - Zhongshan Agricultural Bank has established a dedicated financial department for the "Hundred-Thousand-Ten Thousand Project" to enhance service delivery and community engagement [5] - The bank has deployed 47 financial assistants to 8 towns, conducting educational activities that have reached 650 individuals across various communities [5]

Core Viewpoint - BOC Consumer Finance emphasizes its commitment to a people-centered development philosophy, providing convenient and professional consumer finance services while actively fulfilling corporate social responsibilities for sustainable development [5]. Group 1: Green Development Initiatives - The company integrates green and low-carbon principles into its operations, aligning with national strategic deployments to offer sustainable financial solutions [9]. - BOC Consumer Finance promotes green office practices and resource conservation through digital platforms, reducing paper, electricity consumption, and carbon emissions from business travel [13][14]. - The company prioritizes the procurement of materials and services that meet national certification standards and possess low-carbon attributes [16]. Group 2: Technological Empowerment - The company advances digital transformation to enhance online, intelligent, and paperless financial services, such as remote signing for large loans, improving customer experience while reducing carbon emissions [19][20]. Group 3: Consumer Welfare and Product Innovation - BOC Consumer Finance focuses on providing accessible financial services to new citizens and rural residents, bridging the financial gap through innovative products like credit loans and salary loans [21][22]. - The company actively responds to national policies by innovating credit services for key consumption scenarios, enhancing customer experience through measures like increasing credit limits and extending repayment terms [23][24]. Group 4: Consumer Rights Protection - The company incorporates consumer rights protection into its core responsibilities, organizing multiple meetings to supervise the implementation of key tasks and revising policies to enhance information protection [25][26]. - BOC Consumer Finance has upgraded its customer service mechanisms, achieving a satisfaction rate of 99.2% from over 1.52 million calls received in 2024 [30]. Group 5: Community Engagement and Corporate Culture - The company engages in community support by sourcing agricultural products from specific regions and conducting charitable activities, including blood donation and training for first aid [39]. - BOC Consumer Finance fosters a harmonious corporate culture by enhancing employee well-being through various support initiatives and encouraging employee participation in company development [36]. Group 6: Governance and Risk Management - The company emphasizes governance through a structured framework involving shareholders, board members, and senior management to enhance operational efficiency [46]. - BOC Consumer Finance has established comprehensive risk management policies and a three-line defense system to improve overall risk prevention effectiveness [47][48].

Group 1 - The core viewpoint emphasizes the strategic elevation of Nansha's development, supported by policies like the "Nansha Plan" and "30 Financial Measures," which enhance the business environment and stimulate the real economy [1][5] - The collaboration between China Merchants Bank Nansha Branch and local government agencies aims to support specialized and innovative enterprises, small and micro enterprises, and industrial innovation [1][5] Group 2 - A policy seminar focused on "small to standard" development was held, where 26 potential enterprises participated, receiving insights on funding rewards and tax incentives [2] - The seminar facilitated a tripartite dialogue among government, enterprises, and banks, providing clarity on financial support for small and micro enterprises [2] Group 3 - China Merchants Bank is prioritizing technology finance as a key strategy, launching digital products to support the development of specialized and innovative enterprises [3] - The bank introduced various online products like Sci-Tech Loans and Specialized Quick Loans to assist enterprises in achieving breakthroughs in technology innovation and market expansion [3] Group 4 - The "China Nansha Cell and Gene Industry Innovation Development Conference" was held to promote policies for market access and foreign investment in the biotechnology sector [4] - China Merchants Bank Nansha Branch participated in this event, promoting a comprehensive financial service system for the entire lifecycle of the industry [4] Group 5 - The bank plans to enhance financial services for the real economy through a model of "precise activities + customized products + full-process services," aiming to support the development of the Guangdong-Hong Kong-Macao Greater Bay Area [5] - The focus is on creating a multi-channel dialogue platform to deepen the connection between financial resources and real demands, contributing to high-quality regional development [5]